Bond Loans WA: Bond Assistance Loan, Rules and Options

Q: How much is a bond in WA?

Up to four weeks' rent if the weekly rent is $1,200 or less, plus a pet bond of up to $350 if you have a pet.

Q: What does the WA Bond Assistance Loan cover?

Your bond and two weeks' rent in advance, interest-free, up to a maximum that depends on your household size and location.

Q: What is the income limit for bond assistance in WA?

For Perth and country areas, $988 a week gross for one person and $1,413 for two adults. Higher limits apply for larger households, people with a disability, and the North West and remote areas.

Q: How do I repay a WA bond loan?

At least $25 a fortnight, by Centrelink deduction, direct debit, BPAY or card.

Q: How long does a landlord have to lodge a bond in WA?

Within 14 days, with the Bond Administrator.

Help With Your Bond in WA

In Western Australia, a bond can be up to four weeks' rent, so a $650-a-week Perth rental can need a $2,600 bond. The WA Government's Bond Assistance Loan helps eligible renters with an interest-free loan for the bond and two weeks' rent. But its maximum loan for a single person in Perth is $1,600, so in today's rental market it may not cover the full amount.

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Renters arriving at their new home on moving day

How rental bonds work in WA

Maximum bond: 4 weeks' rent, unless the weekly rent is over $1,200
Pet bond: Up to $350 extra, if you have a pet
Who holds it: The Bond Administrator (Consumer Protection)
Lodgement: Your landlord or agent must lodge it within 14 days

Source: PropertyNow state-by-state bond guide, updated October 2026. Check Consumer Protection WA for the latest rules.

The WA Bond Assistance Loan

The Bond Assistance Loan is an interest-free loan for your bond and two weeks' rent in advance. It's run by the Department of Housing and Works.

Who can apply:

You're 16 or older
Your assets are under $5,000 (single) or $10,000 (couple, or single with dependants)
The rent is no more than 60% of your gross income
You have a repayment arrangement for any existing housing debt
Your income is under the limit for your household

Income limits and maximum loans for Perth and country areas:

One person: income up to $988 a week (gross), maximum loan $1,600
Two adults: income up to $1,413 a week, maximum loan $1,700
Three or four people: income up to $1,693 a week, maximum loan $1,760 to $1,800
Five people: income up to $1,925 a week, maximum loan $2,000

Higher limits apply for people with a disability and in the North West and remote areas. Source: WA Government: Bond assistance loans.

How it works:

Complete a Housing Options Assessment online, by phone or at a Housing office.
If you're likely to be eligible, lodge a bond application.
Your landlord signs the conditional approval form, and the department pays them.
Repay at least $25 a fortnight, by Centrelink deduction, direct debit, BPAY or card.

Already paid the bond yourself? You can apply for a refund of it within eight weeks of paying.

If the loan doesn't cover the full bond

With Perth rents where they are, many renters find the gap between the maximum loan and the bond is several hundred dollars. Options to cover it:

No Interest Loan Scheme (NILS): up to $3,000 for a bond or rent in advance, with no interest or fees, if you're eligible. Call 13 64 57.
Ask for a payment plan for the rent in advance with your agent.
A personal loan for the gap: if the repayments fit your budget.

Jingle bond loans for WA renters

Jingle's rent and bond loans range from $500 to $10,000, for a bond, rent in advance or moving costs. Apply online from anywhere in WA, from Perth to Bunbury and Broome.

Small loans ($500 to $2,000): 20% establishment fee and 4% monthly fee, no interest
Medium loans ($2,001 to $5,000): $400 establishment fee and 47.6% p.a. (comparison rate 69.04% p.a.)
Large loans ($5,001 to $10,000): no establishment fee, 45% p.a. (comparison rate 45% p.a.)

Comparison rates are true only for the examples given and may not include all fees and charges. There are no early repayment fees. Our team works 9am to 5pm Sydney time, which is 7am to 3pm in Perth, or 6am to 2pm during east-coast daylight saving, so apply early in your day if you need funds the same day. Customers with PayID-enabled banks may receive funds within 60 minutes during business hours, once approved and the contract is signed. Approval is not guaranteed.

Frequently Asked Questions About Bond Loans in WA

How much is a bond in WA?

What does the WA Bond Assistance Loan cover?

What is the income limit for bond assistance in WA?

How do I repay a WA bond loan?

How long does a landlord have to lodge a bond in WA?

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⚠️ WARNING - Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
If you are on government benefits, ask if you can receive an advance from Centrelink or phone 13 17 94

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Sources

Credit provided by Jingle Finance Pty Ltd ACN 132 485 066 trading as Jingle Loans, Australian Credit Licence 388143, to approved applicants only. Terms, conditions, fees, charges and eligibility criteria apply. Comparison rates are true only for the examples given and may not include all fees and charges. Approval is not guaranteed. This information is general in nature and doesn't take your objectives, financial situation or needs into account.